The previous landlord only collected half month rent as deposit, and I would like to increase the deposit to standard one-month.

Personally, I use pooled accounts: one for all rents and property expenses*, one for Security Deposits.

Buy a lot, build a rental propert, to be rented out 2026 for approximate annual income 150k.I understand I can borrow for 1 and (2 or 3), but that would put me under risk i don't want to take.  

I would definitely start off renting most units as LTR and slowly renovate and furnish units to do MTR, having a mix of both. 

Some have been on the market for weeks", that doesn't bode well for renting of any kind really.

At purchase they rented for $350 and I’ve incrementally raised rent however this is a low income area and county overall.  

., Purchase Price: $475,000 ($197.9/sq. ft.).Estimated Market Value: $402,000 ($168/sq. ft.).Financing Terms: 2% interest rate, with a 9-year balloon.Unit B Income: $2,049/month (Section 8 tenant through November 2025).Unit A Income Potential: Similar rent or higher; Section 8 cap for the area is $3,234/month.Monthly Loan Payment (P+I): $1,386.Cash Flow Breakdown (if both units are rented at $2,049/month):Gross Rent: $4,098/month.Vacancy (10%): $410/month.Operating Expenses (37.3%): $1,376/month.Net Cash Flow: $943/month.Key QuestionsWould you be comfortable paying an 18% premium for financing at 2%, especially in a market where current mortgage rates are closer to 7%?

Currently rented for $1800/mo.

Typically will be rent by rent strategy (which is tough for none owner occupants) or College rental.   

Think of all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.